CARCHEX

CARCHEX

 4.1/5 (446 ratings)
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About CARCHEX

CARCHEX helps you purchase and maintain your car by offering various vehicle products, including extended auto warranties. Rather than offering its own plans, CARCHEX works with multiple third-party warranty providers. These vehicle service contracts cover repairs due to mechanical failures or malfunctions but not collisions. Plans also come with additional benefits like roadside assistance and towing.

    Overall Satisfaction Rating

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    Pros

    • Available in California
    • Partners with charities
    • Accepts high-mileage cars
    • Lower-cost plans available

    Cons

    • Doesn't cover exotic vehicles
    • Some contracts aren't renewable

    Bottom Line

    Consider CARCHEX if you’re looking for an extended auto warranty, especially if you have a high-mileage vehicle. Although its contracts can be confusing, company representatives can help you understand what you're signing.

    Top CARCHEX Reviews

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    Rated with 5 stars
    Verified

    The sign up process was really simple and easy. The associate gave me a lot of information and answered all of our questions. ... I had hard questions and if he didn't know the an...

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    Rated with 5 stars
    Verified

    I spoke to a young lady at CARCHEX. ... She was there to help me and she didn't let anything stop her. She was able to lower the price. The plan sounded like a pretty good deal. I...

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    CARCHEX warranty cost

    The average price of a five-year contract with CARCHEX is about $1,500. Expect to pay approximately 2 cents per mile of coverage. However, costs vary based on your vehicle’s mileage, year, make and model. The best way to get a better idea of your cost is to get a quote directly from CARCHEX.

    CARCHEX lets you pay for your extended warranty over a maximum of 24 months. No down payment is required during this period. CARCHEX accepts all major credit cards, and it has a 30-day, money-back guarantee in case you decide CARCHEX isn’t right for you.

    CARCHEX plans

    CARCHEX offers five coverage levels that span 16 different warranty plans from different providers.

    Plan nameType of coverageTerm lengthsIdeal for
    Titanium CoverageBumper-to-bumper7 – 10 yearsComprehensive coverage
    Platinum CoverageStated-component5 – 10 yearsShort-term coverage
    Gold CoverageComprehensive5 – 10 yearsVehicles with over 60,000 miles
    Silver CoverageEssential5 – 10 yearsBasic coverage
    Bronze CoverageMajor systems5 – 6 yearsAffordability

    Every CARCHEX warranty is, at a minimum, a powertrain warranty. This means that your vehicle’s transmission, drive axle(s) and engine are covered along with the other components that send power to the wheels.

    CARCHEX coverage

    CARCHEX’s coverage is available for vehicles with up to 250,000 miles. This coverage kicks in after a waiting period of 30 days and 1,000 miles, but this is a fairly standard requirement among extended auto warranty providers. Once you’re past the waiting period, CARCHEX covers authorized vehicle repairs made at licensed service facilities. You can use its mobile app or website to find a vehicle repair facility near you.

    All of CARCHEX’s plans are transferable, and coverage is available in California, which isn't true of many warranty providers. However, not every warranty is renewable.

    Additional benefits from CARCHEX include:

    • Towing
    • Vehicle lockout services
    • Rental car coverage
    • Roadside assistance
    • Emergency fuel delivery

    You can also opt for emissions coverage, key fob protection and luxury electronics coverage.

    A CARCHEX auto warranty won’t cover everything, though. Modified or aftermarket components aren’t covered, including lift kits or trailer hitches. CARCHEX also doesn’t cover regular maintenance items like oil changes or consumable parts like tires, wiper blades and spark plugs. Check your vehicle service contract for details.

    CARCHEX FAQ

    What does CARCHEX cover?

    CARCHEX offers five levels of coverage, with 16 plans available through its various providers. These plans range from bumper-to-bumper to powertrain coverage.

    • The Titanium tier provides bumper-to-bumper coverage.
    • Platinum plans offer CARCHEX’s highest level of stated-component coverage.
    • Gold-tier warranties provide comprehensive coverage, including major vehicle components.
    • Silver programs offer essential coverage for major vehicle systems.
    • Bronze contracts are CARCHEX’s lowest level of coverage, often covering the vehicle’s powertrain.
    Is CARCHEX legitimate?

    Yes, CARCHEX is a legitimate company that partners with multiple warranty providers and is registered with reputable third-party organizations.

    Where is CARCHEX available?

    CARCHEX is available in all 50 states. Check the company’s website to make sure there’s an authorized repair facility near you.

    Is CARCHEX worth it?

    CARCHEX is worth it if you’re considering an extended auto warranty. Its coverage and additional benefits, like roadside assistance and fuel delivery, can provide peace of mind and save you money. Plus, its app makes it easy to find a licensed repair facility.

    CARCHEX Reviews

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    5 featured reviews
    How do I know I can trust these reviews about CARCHEX ?
    • 4,188,850 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 5
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 28, 2022

    I found an email from CARCHEX so I gave them a call because I went online and I saw that CARCHEX was higher rated than Endurance, which I initially worked with. The representative that I talked to pointed out something very important, which is the limit of liability. I wasn't aware of that. My car is a 2011 BMW and it's a beautiful car. It's not new and it's only gonna go lower over time. The limit of liability to the value of the car renders the policy useless. By the end of the policy, you would have paid more money for the policy than what the car is worth. If you're gonna cover me for $5,000 and charge me $600 for the policy upfront, this is a scam. CARCHEX offered a $15,000 limit of liability, which is more than enough to fix whatever happened with the car. Even if it's something with the engine, the warranty still covers it.

    The rep I spoke with was perfect. He was very clear about what he was explaining. I reached out to him a couple of times on the call and he always answered. He was very informative and very respectful. I really liked the experience. The only thing with CARCHEX was I didn't get an email with my policy. Endurance sent me an email with the booklet type of thing. With CARCHEX, I got an email with a separate contract and the representative told me that I would be getting the actual policy in the mail. It's no big deal but I would have liked to get the actual policy.

    CARCHEX response

    Muhammad,

    Thank you for your feedback! Very glad to hear we could assist in setting you up with coverage for your vehicle. Please reach out at any time should you have any additional questions regarding your plan. Thank you for choosing CARCHEX!

    2 people found this review helpful

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 30, 2022

      So far, my experience with CARCHEX has been exactly what they said it was gonna be. I looked at three different companies and called each one of them. The three big factors I used were price, what they covered, and the patience they had to answer all my questions without repeating themselves and actually answering the question. I signed up with CARCHEX.

      I had read a lot about CARCHEX online. They started with asking me stuff about my car first, see what my car was eligible for before they even started going through anything. My car wasn't eligible for some of their plans, so their rep said there are some things they wouldn't be able to offer me. So before they went any further, they went with that first. Then, they went over what it means when it says transmission and suspension and what parts are involved with that, and also what it means if you want to do any kind of rider for anything. I have a turbo. So he was like, “Well, we do have turbo, but it’s a rider.” He told me what the extra was to have that put on there. He explained to me about their cancellation and explained if I never used it, at the end of my term, I would be eligible for partial refund on the unused stuff. He went over how to file a claim and told me what the cost would be monthly.

      CARCHEX response

      Ann,

      Thank you for leaving your review with us! We are happy to have you as a CARCHEX customer, and glad we could assist.

      3 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 21, 2022

      We usually keep cars for 10 to 15 years and I figured a warranty would be a good investment. I had done a little bit of research about different warranties and Carchex was one of the better ones. If we sold the car in six months or in two years or 50,000 miles, the proration was reasonable. The cost of the length of Carchex's coverage was about average. I was told that if I signed up that day on the phone call and we paid it off at an increased rate, we would save several hundred dollars on the overall cost. I am on an automatic payment system and I'm paying a little bit more a month to pay it off ahead of time. I was told I would get a discount for doing that.

      I've owned a lot of different cars and extended warranties have always been something important because at probably every other good used car purchase we make, something goes wrong at 60,000 or 70,000 miles that ends up being close to the cost of the warranty coverage. The warranty coverage usually has an expedited process where you call, talk to a person, and they help you resolve it in terms of, “Here's a rental car. Here's the place to go fix it. “ The couple of times that we've had to use extended warranties, it was much easier than trying to pay out of pocket, find a rental car, find a motel, and find a place for service.

      2 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: May 21, 2022

      I bought a Chevrolet Tahoe and I got it straight from the dealership. They work with just one warranty, and the one they sell is $2,400 for 24,000 miles. There was no other option, and I always knew that I was getting a bad deal with the warranty I had because it was the one that the dealership pushes automatically to go through to customers.

      Carchex was really helpful. I stayed on the phone half an hour with them, getting over everything, but it was good. At the beginning, I was getting a two-year warranty and it was 24 payments, but the guy I talked to made a mistake. A manager called me back and said, "Oh, so we cannot divide the 24 months of warranty to 36. It's going to be 24. But I'm gonna make you a good deal." He offered me a third year so I can divide it in 36 payments. Instead of 3,600, it was 4,000 and I ended up taking the 4,000 one that he offered me. It was a lot more than I was getting and it wasn't that much money.

      The warranty the Chevrolet dealership would have offered me would have been 40,000 miles, three years. Carchex gave me 50,000 miles, three years. I got much more in miles with Carchex, and everything's been great as far as the deal and the payment. I already paid the first month. Also, when I bought my warranty, they offered to send me a $50 gift card in the mail if I told a friend and he bought a warranty for his car.

      CARCHEX response

      Gianfranco,

      Thank you for your review! Very glad to hear we could assist in setting you up with coverage for your vehicle. Please reach out at any time should you have any additional questions regarding your plan. Thank you for choosing CARCHEX!

      5 people found this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: April 28, 2022

      I had been with another company for the last five years on another vehicle I had, and their coverage was minimal. Even though it paid off one time, I was looking around for something else. When I got on Consumers, I found Carchex had a little better rating, so I called them. They were polite, prompt, weren’t pushy and specified what they covered well. That means a lot. I don’t like those pushy outfits that’s constantly trying to sell, sell, sell. They were true to fact, to the point and that was the reason I went along with them.

      Their quote was too high, and within a few minutes, roughly got down from $126 to $92 a month. All of them do that trick where they get into that game of playing this way and that. I talked to a few others but none of the others really came close to what I was getting from the company I got now. With Carchex, I got a much better coverage, bumper-to-bumper for 100,000 miles, and I hope it works out well. If they held true to what they said they're gonna do, I'd be very happy because I bought an older handicapped vehicle for my wife and traded off my newer vehicle to get this.

      CARCHEX response

      Mack,

      Thank you for your review! Very glad to hear we could assist in setting you up with coverage for your vehicle. Please reach out at any time should you have any additional questions regarding your plan. Thank you for choosing CARCHEX!

      2 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 28, 2023

      CARCHEX is worth looking into. I have a 2004 vehicle. My money is kind of funny now, but I can afford that. So, I rather pay that than get hit with a big bill that I can't afford. The rep was very knowledgeable and explained the program to me thoroughly. And I liked the price.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 27, 2023

      The CARCHEX reps I talked to were great and I was quite satisfied with the sign up process.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 27, 2023

      Signing up with CARCHEX was simple and sweet. But I have a complication with having my card on file and I don't know why my money has not been taken out of there yet. Other than that, I'm good and I got the contract in the mail. My vehicle is a 2010 and I got the PowerTrain Plus Gold with Roadside Assistance. I drive a lot, so having the policy is very valuable.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 27, 2023

      When I called CARCHEX, I signed up through the representative. Later, I was a member. The rep said something about bumper to bumper. I'll be covered after 45 days, I got 20,000 miles per year, and told me about the deductible. I couldn't afford the initial payment that he told me, so he broke it down into payments of 30. And I pay 118 a month. Go throughout the package and see which one best fit you.

      Be the first one to find this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 26, 2023

      The guy I spoke with at CARCHEX was so easy going and understanding.

      CARCHEX response

      Jacqueline,

      We appreciate your review, and are glad to hear your Protection Specialist was able to assist you!

      Be the first one to find this review helpful
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      CARCHEX Company Information

      Company Name:
      CARCHEX
      Company Type:
      Private
      Year Founded:
      1999
      Address:
      118 Shawan Road, Suite 210
      City:
      Baltimore
      State/Province:
      MD
      Postal Code:
      21030
      Country:
      United States
      Website:
      www.carchex.com